Free Online Finance Programs For Beginners

Free Online Finance Programs For Beginners

Developing financial discipline, especially when it comes to budgeting and expenditure, is a crucial personal attribute that gives you the necessary level of financial integrity. To help you master the basics of personal financial budgeting, numerous budgeting and financial management software are now available online. Here are the five main personal finance software available online.

Mint
Mint is a popular personal budgeting and expense tracking software that is available in various options, including mobile app and computer program. The software enables you to track your bank account and credit card information from where to analyze your spending behaviors. It also provides you with an opportunity to boost your accountability as far as personal spending is concerned. Mint also has additional features, such as bill tracking which enables you to pay personal bills on time.

Quicken
Quicken is another established personal finance software that allows you to set financial goals, create budgets, and track your expenses. It even has an option to coach you when it comes to the area of financial accountability and setting of financial objectives. The software also has an extension where you can manage your personal as well as business expenses at the touch of a button.

Intuit Turbotax
This software enables you to manage your finances throughout the year. Turbotax comes in handy when managing your taxations and preparing to file your tax returns. The consumer-friendly software walks you through the tax preparation process is relatively short and straightforward steps. It even has an option of uploading the W-2 information, among other tax forms, thus making it easy to process your tax returns.

Future Advisor
The Future Advisor software is a financial advisor program that provides personalized recommendations when it comes to creating and managing an investment portfolio. There even exists a Robo-advisor version of the Future Advisor software that gives you an automated, comprehensive portfolio management option.

Personal Capital
The Personal Capital software allows you to manage all your financial accounts, including bank accounts and credit cards, on a single platform. The software allows you to create a comprehensive financial picture of all your finances, including debt and assets in the form of capital, at a glance. It allows you to make informed decisions and track your finances and investments from a central place.

About The Author
Yuri Vanetik is an Entrepreneur, Business & Finance Expert, Political Coalition Builder, and Philanthropist. He brings over 25 years of professional experience across a wide range of industries, and has become known as a leader for his entrepreneurial spirit. Yuri Vanetik has been featured in notable publications, including the Wall Street Journal, California Business Journal, Forbes, and Entrepreneur.

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Leadership Tips For An Evolving Workforce

Leadership Tips For An Evolving Workforce

Leaders in nearly every industry can likely recall a time recently when their company experienced a change, due to our evolving economy and workforce. With advances in technology and shifts towards a more flexible work culture, many leaders have implemented changes to ensure that the company continues moving forward. This what why it is so important for a leader to understand how to evolve not only as a leader but as a team as well.

Team Collaboration
A phrase that most professionals have heard by now is team collaboration. With so much focus on innovation in today’s technology-driven world, companies are shifting towards a culture that encourages team collaboration. As a leader who promotes a collaborative work environment, it is crucial to lead by example.

According to an article from Forbes, only 34% of an organization’s employees are truly engaged with what they are doing. Leaders who do not practice team collaboration may find that it is difficult to enforce, which can negatively influence morale over time. Active collaboration can ensure that you hear new, fresh ideas from professionals with a wide skill set.

Maintain Transparency
Like your evolution as a leader, your workforce is going to experience different changes as a result of our evolving society. As such, leaders will be forced to make difficult decisions as some points to ensure that the company can continue moving forward. By maintaining transparency throughout these times, you can help make difficult transitions a little smoother for your employees. Additionally, being transparent can help improve the overall feeling of trustworthiness from your employees.

Remain Flexible
With much more focus on flexible work in recent years, leaders may need to consider the benefits of offering a more flexible work schedule. While it may not be possible to offer positions that are fully remote, providing more flexibility on their general schedule can prove to be incredibly beneficial for employees. Flexible schedules allow more professionals with strong backgrounds to maintain a full-time job.

About The Author
Yuri Vanetik is an Entrepreneur, Business & Finance Expert, Political Coalition Builder, and Philanthropist. He brings over 25 years of professional experience across a wide range of industries, and has become known as a leader for his entrepreneurial spirit. Yuri Vanetik has been featured in notable publications, including the Wall Street Journal, California Business Journal, Forbes, and Entrepreneur.

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Entrepreneurship: Is it the Right Path for You?

Entrepreneurship_ Is it the Right Path for You_

For many business leaders, a life of entrepreneurship is often more of a calling or vocation than it is a job. If you’ve been considering becoming an entrepreneur, the reasons for doing so may be many, but honing in on the right motivations for pursuing a path towards entrepreneurship can and should be a difficult proposition requiring much soul-searching. The good news is that when entrepreneurship is pursued for the right reasons, it can be one of the most rewarding paths that a person can take in life. Here are just a few questions to ask yourself to know if entrepreneurship is the right path for you, and why realistically planning for the future is one of the best things that an aspiring entrepreneur can do.

Are You Passionate About Your Product or Service?
While the rewards of starting a business are many, the truth is that entrepreneurs work very long hours for very little money in the initial stages of developing a company. Even when a company succeeds, founders need to work hard to ensure that their company will reach its full potential. Fortunately, a passion for one’s work can get entrepreneurs through any road bump that may arise through this process, but without passion or genuine interest in their field, individuals can burn out long before their company gets off the ground. If you’re truly passionate about your business idea, you’ll already be miles ahead of the competition.

Does Your Product or Service Have a Good Likelihood of Succeeding?
As any successful business founder will tell you, one of the greatest assets an entrepreneur can have is a realistic plan for success. A realistic business plan will help entrepreneurs acquire funding for their business, it is true, but such a plan will also let individuals know whether their efforts will be worth the time and expense of creating a start-up and entering the marketplace. To test the waters on an idea, try looking at the current market to see how similar businesses are faring in everything from acquiring clients to creating an IPO. When you can develop a realistic expectation for how your company will succeed, you’ll be all the stronger when you make a case for funding to your investors, and you’ll feel confident in your ability to meet new challenges head-on.

What Truly Motivates You to Create a Company?
Years ago, psychologists developed the notion of “intrinsic” vs. “extrinsic” motivation. In study after study, psychologists found that people who developed a personal sense of satisfaction in their work ended up being far more resilient and successful than peers who derived their self-image from the opinions of others.

To wit, intrinsic motivation is based on a deep sense of personal satisfaction with one’s self and one’s work; extrinsic motivation derives itself from exterior factors such as social pressure or a deep (and often unhealthy) need for accumulating wealth or social status. When our sense of motivation is based on what we want for ourselves, in other words, we’ll be far more likely to achieve our goals. When we’re pursuing a career path simply because we feel pressure from parents, friends, or society to do so, on the other hand, we’ll experience deep resentment and burnout in the long-term.

For these reasons, a decision to pursue a path of entrepreneurship is a major life step that should not be taken lightly. If you’re passionate and self-directed in your goals and planning, however, pursuing entrepreneurship as a calling may just be the best decision that you can make in life. Indeed, if you love meeting challenges as they arise and derive a personal sense of satisfaction from developing your ideas and seeing them through, you may just find that life as an entrepreneur suits you perfectly. And that is entrepreneurship done right!

About The Author
Yuri Vanetik is an Entrepreneur, Business & Finance Expert, Political Coalition Builder, and Philanthropist. He brings over 25 years of professional experience across a wide range of industries, and has become known as a leader for his entrepreneurial spirit. Yuri Vanetik has been featured in notable publications, including the Wall Street Journal, California Business Journal, Forbes, and Entrepreneur.

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What Is The Gen Next Foundation?

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The Gen Next Foundation is a philanthropic organization that sets out to help future generations meet the challenges that will face them. They do this by exploring educational and economic opportunities, along with issues of global security. Since these issues will face future generations everywhere in the world, Gen Next hopes to give young people a head start in confronting them. They do this by combining the methods and philosophies of commercial businesses and nonprofit organizations.

Providing Better Educational Opportunities
Gen Next begins by exploring the educational opportunities presented to young people throughout the world. Even in the United States, educational choice is limited for the middle class and low-income families. By looking for new ways to broaden educational choices and bring more options to young people in remote areas, Gen Next Foundation hopes to ensure more children have access to a higher level of education. From grade school to college, the organization is continuously looking for ways to optimize educational opportunities for all.

Expanding Economical Opportunities
The organization also supports a system of free enterprise, because they believe this is the best atmosphere for encouraging success. Commercial growth helps create jobs while also inspiring creativity and competition. As each strives to succeed, they look for new and innovative ways to compete in a free market. Gen Next Foundation seeks out programs that support these philosophies for economic growth. They intend to help improve the opportunities available to younger generations, so more individuals will have the resources they need to succeed. Greater opportunities for success will support better economic growth for the global community.

Supporting Global Security
When people feel safer, they will also feel freer to explore their dreams for financial success. This is why Gen Next supports the security measures that the U.S. undertakes to protect its citizens in business and online. The organization encourages younger generations to look for new ways to create a safer world. By reducing the risks of crime, terrorism, and cybercrime, Gen Next Foundation believes more people will be able to grow and thrive.

Combining educational and economic opportunity with efforts to make the world a safer place, Gen Next Foundation hopes to open up more possibilities for future generations. They believe philanthropic efforts are put to better use when they result in encouraging entire generations to do better.

About The Author
Yuri Vanetik is an Entrepreneur, Business Expert and Philanthropist in Orange County, California. He brings 25 years of professional experience in a wide variety of industries, including law, finance, real estate development, and politics. Throughout the years, Yuri Vanetik has provided ongoing support to a variety of organizations that support the three causes that are most important to him: education, public health, and community stability. He has held board positions for several non-profit organizations, including the Gen Next Foundation, Miracles For Kids, American Red Cross, and International Executive Committee. 

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Financial Terms To Know For Your Financial Planning

Financial Terms To Know For Your Financial Planning

Financial planning represents a major concern as you begin your adult life, and the investments you make today will prepare you for the future. Sadly, most people don’t receive the financial education they need to make wise choices. It will be up to you to learn what you can about financial planning. This may mean taking a course on investing, or reading books written by the successful investors you admire. First, however, you will need to learn a few basic terms.

Earnings Report – This is the income statement for a company, and it can be used to measure its earnings potential. It’s a report card for the business.

Dividend – A cash bonus paid to shareholders in a public company. The dividend is paid out when the company shows a profit in a given quarter, and other terms set out by the board of directors are met.

Fiduciary – A trustee appointed to manage the assets for another individual.

Financial Advisor – This is a professional who guides the investments for clients and helps them reach their investment goals. Investment managers and financial planners can also serve as advisors.

Margin – The margin is the fee that a client pays to the broker in exchange for using that broker’s credit. While the Federal Reserve sets margin limits, they can cost between 50% and 100% of the security’s purchase price.

Portfolio – This is the term used to describe the investor’s total collection of investments. A portfolio can contain stocks, bonds, and other types of investments, all of which are either managed by the financial planner or directly managed by the investor.

Prospectus – This is a detailed file about specific security. It’s required by the SEC to help investors make more informed decisions.

SEC – The Securities and Exchange Commission, or SEC, was formed in 1934 to protect investors and ensure a fair market. Members of the commission serve a five-year term, once they’re appointed by Congress and approved by the President of the United States.

Once you have taken the time to educate yourself about the world of financial planning, you’ll be ready to get started. Whether you hire a professional advisor or pursue an investment strategy on your own, everything you have learned up until this point will help you succeed.

About The Author
Yuri Vanetik is an Entrepreneur, Business & Finance Expert, Political Coalition Builder, and Philanthropist. He brings over 25 years of professional experience across a wide range of industries, and has become known as a leader for his entrepreneurial spirit. Yuri Vanetik has been featured in notable publications, including the Wall Street Journal, California Business Journal, Forbes, and Entrepreneur.

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Tips For Saving Money

Tips On Saving Money, by Yuri Vanetik

It is impossible to properly prepare for the future without saving money. Unfortunately, this highly important life skill is often very difficult for some people to master. A lack of savings is bound to cause problems at some point in life, so it is time to start building the bank account. Here are four money saving tips that can help everyone.

Track Every Expenditure
The first step to saving money is knowing exactly where the money is going every month. This makes it extremely easy to spot any frivolous spending. Buying an expensive coffee every morning may not seem like a problem until someone realizes they are spending hundreds of dollars every month. Finding these excessive expenses is key to saving money, and it is only possible by tracking every purchase.

Search for Discounts
Impulse purchasing is a huge problem for most people that have issues with saving money. There is a very good chance a neat item spotted at the store is available somewhere else for a lower price. Go home and take the time to research every major purchase. It may take a little longer to get the new must-have item, but there will also be extra money in the bank account.

Find Cheaper Entertainment
Everyone needs to get out of the house for a little fun, but that does not mean a lot of money needs to be spent. Going to the movies during the day, finding a bar offering discounted drinks and using coupon codes are all great ways to save money while having fun. It is also a good idea to take advantage of any free concerts, museums, or events in the area. It is much easier to have fun when it is not destroying the budget.

Set a Goal
Humans naturally work harder when they are trying to achieve a goal. Set a savings goal and give yourself a reward when it is hit. It will be much easier to give up the morning coffee when a fancy vacation is at stake. Once you hit the first savings goal, then immediately set another one. If this process is continued, then it will only be a matter of time before there is enough money to comfortably retire.

About The Author
Yuri Vanetik is an Entrepreneur, Business & Finance Expert, Political Coalition Builder, and Philanthropist. He brings over 25 years of professional experience across a wide range of industries, and has become known as a leader for his entrepreneurial spirit. Yuri Vanetik has been featured in notable publications, including the Wall Street Journal, California Business Journal, Forbes, and Entrepreneur.

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Three Ways That Non-Profits Can Create Community Engagement

Three Ways That Non-Profits Can Create Community Engagement, yuri vanetik.png

While there are several somewhat obvious differences between the nonprofit and for-profit world, that gap is narrowing considerably. One practice that is equally vital in both the for-profit and nonprofit world is community engagement. Community engagement may be even more important in the nonprofit world. Most nonprofits could benefit from the help of volunteers, most of whom will come from the local community. Also, some donors may be far more likely to donate to a local organization making a difference in their community than a national or global organization. Here are three ways that nonprofits can increase community engagement.

Participate in or host local events
From street fairs to harvest festivals to outdoor movie nights, attending community events is a great way to get your organization on people’s radar. Take out a booth and offer a fun game with inexpensive prizes or give away branded merchandise. Another great way to combine community outreach with mission goals is to host a fun fundraiser, such as a casino night or pancake breakfast. You can get to know the community and raise some money in the process.

Get to know your stakeholders
Chances are good you already have passionate ambassadors and avid volunteers. Sometimes, they may be wealthy donors, but in many cases, they aren’t. Too often, nonprofits give a great deal of attention to their wealthier donors and overlook those giving just as much in time, energy and passion. In many cases, your best volunteers will also be humble servants that don’t tend to draw attention to themselves but are also the lifeblood of your organization. Don’t just take the time to get to know them, also take every opportunity you can to let them know how valuable they are to the organization.

Forge strong relationships with other community leaders
Many nonprofits struggle with a poverty mentality in which they see other nonprofits and community organizations as competition. If you instead adopt the mindset that there is plenty to go around, you can forge strong and mutually beneficial relationships with the leadership of other organizations. Nonprofits and community organizations that partner together to accomplish vital work can achieve far more together than they can individually.

About The Author
Yuri Vanetik is an Entrepreneur, Business & Finance Expert, Political Coalition Builder, and Philanthropist. He brings over 25 years of professional experience across a wide range of industries, and has become known as a leader for his entrepreneurial spirit. Yuri Vanetik has been featured in notable publications, including the Wall Street Journal, California Business Journal, Forbes, and Entrepreneur.

 

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